Euro is a new currency. Being more expensive than dollar more and more it becomes false. Nobody thought that the topic of making fake money in Europe would be cute.

New European money is of high quality and is considered to be the most advanced money. The criminalists claim that today it is the most fake protected currency. But the preparing to that awful crime was very long. The day after a new currency imposition the Athens bank was robbed.  The robber has taken a small sum of money to learn the currency in detail. The most interesting fact is that there were found more than 27 tools that printed fake euro and their aggregates were even older than euro at all. It means that fake money was done before euro official imposition.

The most widespread fake is 50 euro banknote. This is due to the fact that sellers usually pay more attention at 100, 200 and 500 euro banknotes because of their high value.

The European Central Bank confesses that the number of fake euros has increased lately. Thus from 21965 fake banknotes 50 euro banknotes make 14307 that is 65% from the general number of banknotes.  According to European Central Bank assistant words making fake euro coins is still a rare case in Europe. In the year 2003 there were registered 68 fake coins, though they consider that the Europeans prefer to throw fake coins because of their low value.

At once there are even records. Thus 12 members of the international coiner group were arrested in Poland. They are suspected of the biggest fake cash lot making in the history of counterfeiting.

How to stop the people making fake money in Europe?
The mayor part of fake euro banknotes is still of low quality. The most reliable way to spot the fake banknote is to be careful and attentive. All the euro banknotes are printed on a special paper made of cotton that is distinguished from a usual paper by touch. While examining it one should see a watermark on the wide coupon area. There are holograms on all the euro banknotes. Their absence makes the mayor sign that the banknote is false. The euro symbol is a semicircular letter “E” with two parallel horizontal lines in the middle, symbolizing the currency solidity. Euro also has many signs seen with the help of special equipment. They are ultraviolet, magnetic and infrared marks.

Today there are millions of books with various title such as “What is a mutual fund?”, “The Best mutual fund” and so on. But how do mutual funds work? To make out this topic let’s first learn what is a mutual fund.

A mutual fund is a professionally managed firm that collects money from various investors and turns them to stocks, bonds, short-term money, market instruments and other things. Many mutual funds are managed by shareholders that pay every year fee to a mutual fund manager who invests and trades the fund’s underlying securities, realizing capital gains or losses and passing any proceeds to the individual investors. The world value of mutual funds makes up more than $26 trillion.

Dropping in the mutual fund history we’ll learn that the U.S.A. first mutual fund was established in 1924 and was entitled Massachusetts Investory Trust. But the time didn’t suit for mutual funds as there was the world economy crisis. Mutual funds were developing with difficulty. Even the adoption of the Law of Investments and the Law of Trust didn’t help them to prosper. The flowering of mutual funds fell on 80s when percents were low and thousands of Americans began mutual funds members. Since then mutual funds began to mushroom. Today they play a dominant role in the world market.

The advantage of mutual funds is that they return near 2% per year to their shareholders than the stock market does. Other advantages include affordability when an investor who even hasn’t got much money to invest can pay just low cost to become a shareholder, liquidity that means that the fund investors can easily redeem their shares, diversification that lower your risk of money losing if the company fails and professional money management that select and monitor fund operations.

The mutual funds disadvantages are obligatory special payments, lack of control and price disinformation.

So how do mutual funds work?

Here is a traditional mutual fund work algorithm.
One purchase shares in a mutual fund instead of doing that in a market. Such shares are sold trough brokers, banks, insurance agents and financial planners. The share price is a mutual fund per share net asset value, usually called NAV and certainly one pay obligatory fees, imposed by a fund. This way mutual fund sell their shares to have new investors until the fund becomes large.

What is your profit?
You can earn money by a fund dividend income which paid to its shareholders, capital gains at the end of the year and the increasing of the shares value.

Today modern world turned to credit cards use. Credit cards give many possibilities from loans to leaving thick purses at home. That’s why credit cards offers are a much-talked-of topic. People all over the world compare credit offers in their countries and abroad. More and more they do that online. It’s very necessary to find the web site most suitable to your needs. Because this way you’ll get comfortable credit card offer and have some benefits from it.

Better-Credit.com is a voted best card. It provides a great choice for balance transfers, good rates for occasional needs and many possibilities for bad credit.

Better-Credit.com will help one to compare various offers such as balance transfer interest, cash back, rate amounts, credit card rewards and others and choose the right credit according to one’s wish and budget.

Better-Credit.com has also credit applications for business and student customers. It has such services as Excellent Credit Cards that allows one choose a credit card with low APR, one of no annual fee credit cards, balance transfer credit cards or instant online approval credit cards, Fair Credit Cards, Bad Credit Cards for people with bad credit history which are irreplaceable in case of credit damage or bankruptcy and No Credit cards, providing a good offer for people with no credit history. No credit rating credit cards have no fees and 0 transfer balances.

The website also has the offer of Cash Rebate Credit Cards, Airlines Credit Cards that will be very appropriate for businessmen, Gasoline Credit Cards, Hotel Rewards Credit Cards irreplaceable for drivers.

Better Credit website has a great number of online applications for the USA, the UK and Belgium and works with such cards as Visa, American Express, MasterCard and others.

Insurance is the most important business type in Florida. By the year 2001 there had been 7.9 million people with any kind of insurance. And in 2002 16.1 million Florida people had insurance and 13.3 of them were the owners of Florida Health insurance Quote.

Florida Health Insurance quote companies mostly formalize insurances for Florida people. The insurance works than for a person who can once become sick because of any accident or other reason. There are many reasons to buy Florida health insurance. The most widespread one is when people don’t receive any health protecting guarantees by their employees.

Florida Health insurance quote consists of different types: it can be an individual health insurance, group health insurance, life insurance, major medical insurance and etc.

Today many insurance deals are made online. That’s why there are numerous websites dedicated to this topic where you can find the best way of Florida Health insurance and learn its rules and nuances. Online insurance deals will protect you from routine phones and save your time.

So, here are some tips about how to make Florida Health Insurance successful.

- first, learn the prices to exclude unacceptable supplies (you can visit company websites and save your time)

- Learn all the rules and nuances of the policies you’ve chosen

- Read the reviews of the people that have recently bought the insurance

- contact the consultant and just wait for the answer

The most popular Florida health insurance types are co-pay plans and major medical plans.

Co-pay Plans is the most extensive health insurance plan which is suitable for families. It pays for doctor’s visits, medicine and gives annual benefits. But it limits drug payments, preventative care expenditures.

Major Medical Plans is a plan that doesn’t pay for medicine expenditures and doctor’s visits. It is suitable for a healthy person or for those who don’t care about high expenditures.

So, if you decided to buy a health insurance, here is the list of companies that will be useful for you:

• Aetna
Cynthia Michener
151 avenue Farmington, RWAF
Hartford, Connecticut 06156
phone: 860-273-8553
michenerc@aetna.com

• Medical Insurance society & Florida blue shield
Bruce Middlebrooks
Jakcsonville, Florida
phone: (904) 905-3400
Bruce: middlebrooks@bcbsfl.com

• The Golden Rule Insurance Company
Michle Hampton
Indianapolis, Indiana
phone: 317-715-7056
mrhampton@goldenrule.com

• Humana
Harry Spring,
Miramar, Florida
phone: (305) 626-5063
fax: (305) 626-5086
hspring@humana.com

• Mitch Lubitz
Florida mass media relationship manager
Ph: 813-287-6180
fax: 813-281-6000
mlubitz@humana.com

• Perspective Health Plans
Pam Gadinsky
Fort-Loderdale, Florida
Phone: (954) 858-3000

Free market economy is an economy based on market regulation where action coordination works with the help of the interaction of free private producers and free individual customers. In that economy the decisions of the customers, resource suppliers and private companies define the structure of resource distribution.

Market economy system is based not on state but on private property, free competition, freedom of choice, free from state and ancient traditions and customs.

Free market economy has the following principles:
- free enterprise
- property types diversity on investment goods
- contractual relationship between business entities
- market pricing
- limited state interference in economical activity

Side by side with indisputable free market economy profits it has really serious shortcomings and imperfections. The disadvantages of the free market economy sometimes are crucial. The impossibility of the all conditions observance of the free competition leads to failures in the market mechanism. It is seen in instability of economic development: economic activities alternate with downturns which are accompanied with such “market illnesses” as inflation and unemployment. Promoting manufacture and capital bunching competition causes its own opposition – monopoly, which radically undermine free competition conditions. With all its system of reward distribution in correspondence with property of definite resources pure capitalism leads to deep differentiation of life levels of various strata of society. The model of pure market regulation doesn’t provide for social security mechanism of these or those strata of society. That conditions deep social-economical and political conflicts.

Free market doesn’t provide stimuli for goods production and services of collective use, which are indispensable to every person and which are not the object profit for national defence, protection of nature and the management of state affairs. There is also no enough miotivation for fundamental science, for those activity categories which can’t be subordinated to only commercial criteria (public health, education, science, culture and so on). Free competitor activity often leads to undesirable effects, such as abuse of environment, food pollution by harmful substances, drug addiction development, etc.

Free market economy often disregards negative consequences of made decisions fro the society in whole, and it also doesn’t safe irreproducible resources. The disadvantages of the free market economy very often lead the country to crisis.